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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

A provider who cares

The credit cushion feature is great. You can allot a sum of your choosing to not be spent so you never go over your limit. Reviewed on: 11th April 2023

Excellent Service

Not a problem using their credit card service and no charges when used abroad is a big bonus Reviewed on: 11th April 2023

Best credit card

I have tried several cards in the past but have noticed that zopa credit card is the best so far. Love it Reviewed on: 11th April 2023

Very easy app to use and balance shows payments straight away.

Simple to use and very easy to understand transactions Reviewed on: 11th April 2023

Amazing

Great experience easy to get verification and really easy to understand and got my card within days Reviewed on: 11th April 2023

Excellent

Excellent service setting up my credit card Reviewed on: 11th April 2023

Top company

Zopa had faith in me despite my previous history Reviewed on: 11th April 2023

Zopa - A friendly and supportive bank

My experience with Zopa has been nothing short of fantastic - I am yet to have a direct experience with their customer service but accessing a credit card with a credit limit that greatly helped my financial situation has been a massive help, and I could not fault a thing. The Zopa app is extremely user-friendly and shows my limit, payment dates and any other helpful information clearly and concisely which is a great asset for any bank. Not only this, but the speed at which my card was sent to me and availability of credit was super quick which was a fantastic benefit. Overall I’m more than satisfied with all of the benefits I’ve already experienced with Zopa and would recommend them to anyone looking for an easy, accessible experience! Reviewed on: 11th April 2023

Great credit card

Customer services always helpful Reviewed on: 11th April 2023

Easy lifestyle

It has a great experience with zopa because it zopass others Reviewed on: 11th April 2023

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